Baccarat Rules & Strategy – Baccarat India

Baccarat is a simple card game to play. However, learning to win requires focusing on the strategies of the game. Here are the rules which winning players must master to beat the house.

Player Against the Banker

In Baccarat, the house deals only two hands, regardless of the number of bettors who are participating in the game. One hand is the player hand. The other hand is the banker hand. Each person wagering may take a chance by betting on either hand, except the person who holds the shoe (or plastic cardholder) in a full-scale game. The shoe-holding bettor must pass the shoe or bet on the banker. The bank hand doesn’t belong exclusively to the house. Nor does the player hand belong solely to the bettors.

Baccarat History

Before the 1900s, French nobility played Baccarat in private. A three-person game, named Baccarat Banque is one of the earliest variations of the game, which dates back to this period. A version of the game, Baccarat Punto Banco, where players bet on whether the bank or player hand will win, is still played today. Legal gambling began in 1907. However, it took until the 1940s for Baccarat’s popularity to skyrocket, as a house-banked casino game in Havana.

In modern times, the majority of Baccarat games played globally are based on Punto Banco rules. In India and worldwide, casinos collect losing bets immediately, and the house pays out winning bets following the conditions set at each casino.

baccaratRules and Strategy

In full-scale play, whichever bettor holds the shoe pulls a card face down from the deck, sliding it to the dealer. The dealer gives the card to the bettor with the largest wager on the player hand. Next, a card is drawn for the bank hand and positioned near the shoe. Subsequently, bettors deal a second player card and another bank card. The house dealer asks for the player hand, prompting the player with the largest bet to view the hand before giving the cards to the dealer. The dealer announces a point total after showing all bettors the cards.

Next, the dealer asks for the bank hand. The shoe holder views the hand before giving the cards to the dealer. If the total points require a card draw, the dealer shall simply repeat the words, “card for player.” In response, the shoe holder pulls a card, handing it to the dealer. The dealer gives the card to the bettor. He returns the card to the dealer after looking at the card. The dealers show the card, turning it face up for all bettors to see. The dealer repeats the words, “card for bank,” if the banker needs a card and repeats the steps.

This gambling process is time-consuming, and it is often reserved for bettors who wager large sums of money. Mini-baccarat takes less time, with the dealer playing both hands out. The goal is for wagers to bet on two or three cards, which have a total point sum closest to nine. Most cards are worth the face value. Face cards and 10 cards are worth no points, except the Ace. It’s worth one point. In cases when the total exceeds 10 points, the second digit denotes the hand’s value. For instance, a 7 card combined with a 9 card equals 16, with a six-point value.

At the beginning of the game, the dealer starts with two cards for each hand. The point total determines which hand gets an additional card, with the player hand finishing first. If the player hand receives 8 or 9 points from the first two cards, it’s called a “natural”. In this circumstance, the player hand gets no additional cards. Naturals are automatic game-winners. If the banker also has a natural, neither hand receives other cards. Wagers stand on point totals equally 6 or 7. Players draw a third card for point totals between 0 and 5.

Rules for the banker hand are a little different. Banker hands draw from 0 to 2 points and stand on point totals from 7 to 9. However, the banker hand’s play is determined by the player hand’s value for the third card. If the third card value is 8, the banker hand hits 3. If the third card value is 10, 9, 8, or 1, the banker hand hits 4. If the third card value is 7,6,5, or 4, the banker hand hits 5. If the third card value for the player hand is 6 or 7, the banker hand hits 6. Some exceptions apply, including the fact that a natural hand stops play, and each hand receives no more than three cards.

Also, some bettors wager on a possible tie. Winning a tie wager pays big with at least an 8 to 1 win. It’s a risky bet and not recommended. The house has a hefty edge at 9.5 per cent.


Knowing the rules is only part of the process. The protocol also matters. Players bet with chips. Buy chips to place a bet and receive change from the dealer. Dealers don’t accept cash.

The person with the largest bet on the player hand gets the player cards. This bettor waits until both hands are dealt before viewing the cards. Alternatively, the player with the banker hand doesn’t see the cards, until the dealer shows the player hand cards by placing them face-up on the table.

Casinos usually offer score sheets for wagers to track the game. Most bettors do so by marking an “X’ in the appropriate column, under Tie, Player, or Bank.


Baccarat winners are adept at guessing which hand is going to win, including bank, player, or tie. The bank hand wins more often, with a 50.68 per cent winning average. It’s a slight edge, which goes to the house. Some math experts believe the game is vulnerable to card counting, like blackjack. However, counting the cards gives a bettor only a slight edge, is challenging to accomplish in the game’s time frame and is too time-consuming. Baccarat is primarily a game based entirely on luck. Here are a few tips to help bettors manage money while playing.

Set Limits

Discipline is an essential trait for any bettor. Setting limits, based upon the amount of expendable income available, helps a player to stop playing while he still has money. For example, a player may set a $75 spending limit. If disciplined, he will leave the table once he loses $75. It is also a good practice to avoid large wagers, which exceed a bettor’s ability to pay. In Baccarat, the player hand wins only half the time, and the bank hand wins a little more than half the time. Statistically, bettors only have a 50 per cent chance of winning or losing.

Walking away with winnings is also a good practice. Players who hit a winning streak may pocket a pre-determined amount, refusing to spend it, if the good luck ends. Self-managing money and gambling expectations help a player to leave the table as a winner. For example, if a player wins $400, he may put $250 in his pocket and only play with $150. If he loses the $150, he then walks away with the $250 he won earlier.

Once a player learns the rules, Baccarat is an exciting game to play. It may require some time to get up to speed on the nuances of the game, but it’s just as thrilling as craps or blackjack. There are also some ways for players to improve the odds of winning.

Winning Edge

Like most casino games, bettors are always looking for ways to beat the odds. However, playing Baccarat is much like flipping a coin. Unless a player is an expert, spending time looking for patterns or counting cards is a waste. Winners play the game for enjoyment, looking at each hand as an opportunity to beat the odds. Some believe that looking for patterns will increase the chances to win. Baccarat players bet on Tie, Player, or Bank hands. Winners don’t stress over patterns. Players pick one of the choices and have fun.

Smart Choices

Whether a player chooses a land-based or online casino to play Baccarat, he must decide which hand to bet on. Winning bets on the banker hand pay a 5 per cent house commission. Don’t let the fee discourage wagering on the bank. As mentioned, the bank hand is actually a slightly safer bet statistically. The bank wins 50.68 per cent of the time. Consequently, betting on the bank hand means a player will win consistent money over the long-term.

The tie bet pays a lot of money if a player wins. The high payout may tempt a new bettor to take a chance on the tie wager. However, a player who wins a tie bet is extraordinarily lucky or psychic. Tie bets only win 9.1 per cent of the games in Baccarat. It’s not usually worth taking a chance on losing money. Bettors should place a bet on a hand, which has a higher chance of winning.

Dip in and dip out. Unlike blackjack, which sometimes gives players long-term winning streaks, Baccarat winning streaks are usually short. A player who finds himself in an upswing may consider walking away while he’s still winning. Seasoned players tend to play Baccarat in 10 to 15-minute stints to avoid substantial monetary losses, with few exceptions.

Follow the first thought. New players may not know all the rules and simply follow a gut inclination. Sometimes, playing the game on gut instincts works. A reliable, consistent system that brings steady returns is always a safe bet. However, a gut bet doesn’t change the winning odds. Why not go for it? Betting on a hunch increases the excitement and enjoyment of the game.

A player wants to walk away with as much money as possible. Therefore, it doesn’t hurt to comparison shop between casinos. Gambling is a highly competitive industry. It’s possible to find Baccarat tables with lower commissions, giving players more money at the end of each hand. Call around town or search on the internet. A little research may go a long way toward finding the casino with the best commission rates for the game.


A player may even run across a casino, which offers no commission Baccarat. Caution is crucial with no commission games. Establishments that offer no commission play sometimes have other stipulations that are favourable to the house. Also, check out all rates and odds. Some casinos offer lower odds and take higher commissions. Players should confirm all the rules, rates, and commission before betting.

Whether a player participates online or offline, he is bound to enjoy Baccarat’s excitement and fun. One of the benefits to online casinos is that most offer free play, giving a player the chance to learn the game before spending money. This opportunity to practice helps improve a player’s confidence in his play and his ability to win the game.

There are also some benefits to playing in a live casino. Most casinos use about 8 decks of cards in a shoe. However, if a player finds a casino that uses 4 to 6 decks, he may find it easier to track the cards. In fact, in the case of fewer decks, a player may reconsider previous advice about playing for a short time and not counting cards. With fewer cards, bettors well-versed in Baccarat can more quickly and accurately predict hands, increasing the winning odds.

These are the rules of the game. It’s time to play smart. Check out the nearest online or land-based casino to join the Baccarat action. Do the research and know the rules for the establishments which offer live and online Baccarat games.

Don’t fear trusting gut instincts. Every player has at least a 50 per cent chance of winning. Taking a gamble doesn’t change the odds. After all, bettors who wager on the bank hand always have the edge. However, experienced players who can predict the cards stand a chance to win big in Baccarat.